Toby Gerfen - Licensed Insurance Agent

🌟 Happy September! 🌟
🍁 Fall is here, and so is the perfect time to start thinking about Medicare Annual Enrollment!

There are exciting updates and changes coming, and I’m here to make it easy for you. Whether you’re reviewing your current plan or exploring new options, I’ll help you feel confident and ready for 2026!

📅 Let’s chat soon and get ahead of the changes.
💬 Message me anytime—I’m here to help!

“Medicare isn’t just paperwork. It’s peace of mind.”

If you’re feeling overwhelmed trying to figure out how to start Medicare — you’re not alone.

I’ve sat at kitchen tables, coffee shops, and even hospital rooms with people just like you. Good people. Smart people. People who just want to make the right choice and feel confident about it.

Let me say this:
✨ You don’t have to figure it out alone.
✨ There’s no such thing as a silly question.
✨ I’ll walk beside you, step by step — no pressure, no rush.

Whether you’re turning 65 or helping a loved one, I’m here to simplify the start and bring clarity to this big milestone.

You’re not just a number. You’re my neighbor, my community, and I care. 💙

— Toby Gerfen
Licensed in 15 states | Medicare Guide with Heart
| 📧 [email protected]

What’s What Wednesday 💡

Did you know? Medicare was signed into law back in 1965—and it’s helped millions of Americans access essential care ever since.

If you’re new to Medicare (or even if you’ve had it a while), it can still feel confusing. You don’t have to figure it out alone.

I’m a licensed Medicare agent and happy to be a trusted guide whenever you need help understanding your coverage or exploring options—no pressure, just support. 😊

📬 Feel free to reach out if you’re turning 65, retiring, or just have questions!

’sWhatWednesday

🌿 Medicare Monday 🌿

Today, I just want to say thank you.

To all of you — my wonderful Medicare members — who’ve trusted me year after year… through every plan change, every open enrollment, and every question that’s come up… thank you for letting me walk this journey with you.

Medicare can be confusing. But together, we’ve made it manageable, even meaningful. I’m deeply grateful for the chance to help you feel secure, supported, and informed — not just during enrollment season, but every day in between.

You are more than clients — you’re part of my extended family. And it’s an honor to serve you.

Here’s to many more years of navigating Medicare together… calmly, clearly, and with heart. 💙💛
— Toby

Medicare Fact Friday ☕
Did you know?
Medicare isn’t just for hospitals or doctor visits — many plans also include wellness visits, preventive screenings, and care that helps you stay healthy, not just treat illness.

It’s okay if Medicare feels confusing. I’m here each Friday with a little clarity — no pressure, just people helping people.

🌿 Happy Friday — and remember, your health is worth understanding.